We will both be 55 this year and DH is planning to FIRE probably before the end of the year. What are people in their mid-to-late 50s doing with SS and Medicare when determining their SWR? We want to do some traveling sooner rather than later in retirement, but the extent of it is obviously tied to our SWR which changes based on whether we will receive SS and Medicare.....or not, and the difference is HUGE.